The primary credit card and the secondary card are in a subordinate relationship. The secondary card is under the name of the primary card, has the same function, and is the only account.

A credit card supplementary card is an supplementary card. The main credit card and the supplementary card can enjoy the credit limit of the main card. The consumption records are included in the main card bill, and the main cardholder pays the outstanding balance. . For example, if the credit limit of the primary credit card is 20,000 yuan, and the credit limit of the secondary card is 5,000 yuan, then the available credit limit of the primary and secondary credit cards for the month will be 15,000 yuan.

Since the primary and secondary credit cards enjoy the same credit limit, the cardholders of the two credit cards may not know how much the other has spent during use, so they should communicate frequently to avoid exceeding the credit limit. ?

In addition to bringing convenience to themselves, cardholders can also save a lot of transfer fees by using the credit card supplementary card rationally. Cardholders who use the supplementary card to make purchases in other places can be exempted from handling fees. For example, parents can use the primary credit card themselves and let their children who go to school in another place use the secondary credit card. This way, they can avoid the handling fees for remittances to other places and can keep track of their children's consumption status at any time.

Extended information:

The difference between the principal credit card and the supplementary card

1. Both the principal card and the supplementary card will incur annual fees, but the annual fee for the supplementary card It will be cheaper than the main card. However, many bank credit cards now allow you to make purchases by swiping the card, and the annual fee can be waived after meeting a certain number of requirements.

2. The main card and supplementary card use the limit of the main card. For example: if the main card limit is 10,000 yuan, then the consumption of the supplementary card will also be deducted from this 10,000 yuan. The limit of the supplementary card is generally not allowed to exceed the limit of the main card.

3. Many of those who apply for supplementary cards are immediate relatives (parents, spouse or children). For example, college students cannot apply for a credit card. They can apply for an additional card with their parents, and they still have the ability to consume first and repay later.

4. Reporting the loss of the main card will not affect the use of the supplementary card. Except for the limit usage, the main card and the supplementary card can basically be regarded as two independent cards. After the main card is reported lost, it will not affect the use of the supplementary card, and vice versa.

5. Ownership: The ownership of the supplementary card belongs to the main card. The main card can perform any operation on the supplementary card, including freezing, canceling the account, etc.

Reference: Industrial and Commercial Bank of China-Differences between Primary Cards